Broker cost calculator: your yearly investing cost
Describe how you invest, then enter up to three fee schedules. Compare savings-plan, order, FX and custody fees per year, plus fund charges, in your currency and as a percentage.
Which fee schedule is cheapest depends on how you invest. A monthly savings plan, a few large orders or foreign-currency trades each favour different price lists. No provider data is built in: you enter the fees you find.
Your assumptions
0.25% of the portfolio per year, including USD 50.00 in fund charges that apply with any broker.
| Measure | A | B |
|---|---|---|
| Savings plan fees | USD 0.00 | USD 18.00 |
| Single order fees | USD 4.00 | USD 20.00 |
| FX fees | USD 8.70 | USD 17.40 |
| Custody fees | USD 0.00 | USD 0.00 |
| Fund charges | USD 50.00 | USD 50.00 |
| Total per year | USD 62.70 | USD 105.40 |
| % of portfolio | 0.25% | 0.42% |
How the calculation works
Yearly cost = 12 × plan fee + orders × (flat fee + order size × %) + traded amount × FX share × FX fee + portfolio × custody % + flat custody + portfolio × fund chargesYour usage profile is the same for every fee schedule. Each schedule applies its own fees to it. Fund ongoing charges are shown separately because they apply whichever broker you use.
Step by step
- Savings-plan fees = 12 executions × fee per execution (if a plan amount is entered).
- Single-order fees = orders per year × (flat fee + average order size × percentage fee).
- FX fees = (12 × plan amount + orders × order size) × share in a foreign currency × FX fee.
- Custody = portfolio value × custody % + flat yearly fee.
- Fund charges = portfolio value × ongoing charges. Total and % of portfolio include all of the above.
Limitations
Excludes taxes, trading-venue spreads, minimum and maximum fees per order, inactivity fees, interest on cash and product-specific costs. Uses the current portfolio value for a full year without growth. Account rules, investor protection and tax handling differ by country. Default values are invented examples, not provider prices. Illustration, not advice or an offer.
Questions, answered.
Why are fund charges shown separately?
They are charged inside the fund, whichever broker you use. They still reduce your return, so they are part of the total.
What counts as foreign currency?
Any purchase where the security trades in a currency other than your account’s and the broker converts it for you.
Is the cheapest schedule always best?
Cost is one factor. Investor protection, tax reporting in your country and the products offered matter too.
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